作　　者： ; ; ;

机构地区： 汕头大学商学院

出　　处： 《保险研究》 2006年第8期42-43,83,共3页

摘　　要： 由于受到经营管理、产品技术设计开发以及偿付能力限制等因素制约，目前我国实行的是由国家财政支持的中央政府主导型巨灾风险管理模式，巨灾保险业务仍只占了较小的比重。今后应充分发挥商业保险公司在重大灾难管理中的地位和作用，建立起由国家财政、保险公司、再保险公司、投保人共同参与和负担的体制。逐步建立专业巨灾保险基金；积极开发包括农业保险、地震保险在内的保险产品；发行巨灾债券，在金融市场上分散风险；加强制度建设．建立巨灾保险的再保险体系：建立巨灾保险风险准备金，提高保险参保率。 Due to the constraints of operational management, product design technology and solvency margin limits, the catastrophe management system in China is central government-driven with fiscal support, and catastrophe insurance business is only a fraction of the total insurance business in China. We should make full use of the role of commercial insurance companies in catastrophe management in the future, and establish a risk-sharing catastrophe management mechanism involving the government, insurance companies, reinsurance companies and applicants. Moreover, we should gradually set up a specialized catastrophe insurance fund, proactively design related insurance products such as agricultural insurance and earthquake insurance, float catastrophe bond to spread this risk through the capital market, establish a catastrophe reinsurance system, and set up a catastrophe insurance reserve and increase catastrophe coverage.

关 键 词： 巨灾保险 风险管理 巨灾债券 再保险

领　　域： [经济管理]